At present, overseas remittances need anti-money laundering audit, and sensitive countries need to provide information for audit before they can be recorded, which takes a relatively long time.

Overseas remittance is a business activity that commercial banks handle remittance for customers or settle the relationship between creditor's rights and debts through the transfer of funds between their overseas branches or correspondent banks. According to whether the delivery direction of settlement tools is consistent with the movement direction of funds, it can be divided into forward remittance (remittance method) and reverse remittance (collection method). There are three remittance methods: telegraphic transfer, M/T and D/D. The cost and exchange rate of telegraphic transfer are higher, while the cost and expenses of telegraphic transfer and D/D are lower, but it takes a long time to delay customers' money.